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As of September 26, 2026, Citigroup Inc. (C) trades at $134.28. CleaRank Financial AI rates it Buy with a fair value of $157.50, 17.3% above the current price. Wall Street's consensus target is $157.50 across 21 analysts. RSI at 41 is in neutral territory, and the price is above its 50-day average of $134.09.
Citigroup Inc (C)
Citigroup Inc NYSE
$134.28
2.180 (1.65%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
75 / 100
Citigroup Inc. (C) is currently trading at $134.28, above its 50-day and 200-day moving averages ($134.09 and $125.42), signaling a generally positive technical trend. The stock's valuation appears attractive when compared to its sector averages, trading at a P/E of 14.26 versus the sector median of 16.5, and a Price-to-Sales ratio of 2.71 against the sector's 3.8. Analyst sentiment is predominantly bullish, with a consensus rating of Buy and a median price target of $157.50, implying an upside of 17.3% from the current price. Forward-looking estimates suggest significant earnings and revenue growth in the coming quarters and year, reinforcing the positive outlook. However, insider activity indicates a net selling stance, with $23.6 million in sales in recent filings, suggesting a degree of caution from management. Despite this, the company's fundamentals, including a solid profit margin of 21.83% and a low debt-to-equity ratio of 0.04, provide a stable foundation. The recent earnings reports have shown positive surprises, further bolstering confidence in the company's operational performance.
C Price Analysis
Market Metrics
Open
$132.85
Day Range
$132.12 to $134.72
Prev Close
$132.10
Volume
8.08M
52-Week Range
$93.66 to $147.96
Market Cap
$225.25B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Valuation is broadly in line with sector peers (-14% difference), suggesting fair market pricing relative to industry standards.
C Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 5 quarters, C beat estimates 4 times. The stock rose 4 times the next day. Price tends to react positively to beats.
C Analysis
Company's Health
4/5
12-Month Analyst Target
+17.29% Upside
Median of 21 analysts (12-month)
$157.50
AI Technical Analysis
Citigroup Inc. is trading above its 50-day and 200-day moving averages ($134.09 and $125.42), currently at $134.09 and $125.42 respectively, indicating an upward trend. The Relative Strength Index (RSI) is at 40.88, falling within the neutral momentum range, suggesting neither overbought nor oversold conditions. The MACD is currently at -0.515, indicating a slight bearish momentum, though the price action above key moving averages suggests underlying strength. Volume on the latest trading day was 8.08 million shares, below the average of 11.48 million, suggesting a lack of strong conviction accompanying the current price action. Key support levels are near the 50-day SMA at $134.09, while resistance may be found near recent highs. The overall chart structure suggests a consolidation phase with potential for an upward move if bullish catalysts emerge.
ProTips
- Monitor insider transactions closely; while recent activity shows net selling, any shift towards net buying could signal renewed management confidence.
- Citigroup Inc. is trading above its key moving averages, suggesting a positive short-term trend, but RSI in neutral territory indicates a need for further positive catalysts to sustain upward momentum.
- Given the sector's sensitivity to interest rates and economic cycles, investors should maintain a diversified portfolio and consider the broader macroeconomic environment when assessing Citigroup's prospects.
Key Catalysts
Bullish
Positive Earnings Surprises Continue
Citigroup Inc. has consistently beaten EPS estimates in recent quarters, indicating strong operational execution and potentially leading to upward revisions in future earnings forecasts.
Source: Earnings ReportsBullish
Strong Forward Growth Estimates
Analysts project significant earnings and revenue growth for Citigroup Inc. in the current year and beyond, driven by expected improvements in the financial services landscape.
Source: Analyst EstimatesBearish
Moderate Insider Selling Activity
Insiders have sold a net of $23.6 million in Citigroup Inc. stock, which could indicate a lack of confidence in the current valuation or anticipation of near-term headwinds.
Source: Insider TransactionsNeutral
Sector Average Valuation Comparison
Citigroup Inc. trades at a discount to sector averages on P/E and P/S ratios, presenting a valuation opportunity but also highlighting potential sector-specific challenges or company-specific risks.
Source: Sector AnalysisMarket Outlook
Citigroup Inc. is expected to see continued growth, with analysts projecting earnings per share of $11.15 for the current year and $12.91 for the next, representing significant year-over-year increases. The median analyst price target of $157.50 suggests a potential upside of 17.3% from the current price, driven by the company's strong revenue growth estimates and solid profit margins. The company's low debt-to-equity ratio provides a stable financial footing to support these growth initiatives. Potential catalysts for upside include continued positive earnings surprises and favorable macroeconomic conditions for the banking sector. Conversely, downside risks include increased regulatory pressures, unexpected economic downturns, or a failure to meet ambitious growth targets. The moderate insider selling also warrants monitoring as a potential indicator of future headwinds.
Key Statistics
| Market Cap | 225.25B |
|---|---|
| P/E Ratio | 14.26 |
| EPS (TTM) | 9.25 |
| Dividend Yield | 1.84% |
| 52 Week High | 147.96 |
| 52 Week Low | 93.66 |
Citigroup Inc. presents a compelling valuation relative to its sector, with a P/E ratio of 14.26 and a Price-to-Sales ratio of 2.71, both below the sector medians of 16.5 and 3.8 respectively. The company's return on equity stands at 8.53%, slightly below the sector average of 13.8%, but its profit margin of 21.83% and operating margin of 36.23% are strong, indicating efficient operations. Forward-looking estimates project substantial earnings growth of 48.1% for the current year and 15.8% for the next, supported by revenue growth estimates of 12.00% and 5.00% respectively. The company's balance sheet is strong, with a very low debt-to-equity ratio of 0.04, providing financial stability. This combination of attractive valuation, solid profitability, and strong growth prospects underpins the current analyst consensus.
Earnings & Growth Analysis
Citigroup Inc. has demonstrated a pattern of positive earnings surprises in recent quarters. For the quarter ending June 2026, the company reported an EPS of -0.68, beating the estimated -0.86 by 20.93%, and saw a price increase of 0.84%. Prior quarters also showed beats, with EPS of 3.14 versus 2.71 for the quarter to June 2026 (surprise of 15.87%) and 0.92 versus 0.74 for the quarter to June 2026 (surprise of 24.32%). This consistent outperformance suggests strong operational execution and effective cost management.
Key Risks
A primary risk for Citigroup Inc. stems from insider selling, with a net of $23.6 million in sales by insiders, indicating potential concerns about future performance or valuation. While the company's valuation is attractive relative to peers, a significant portion of the upside is predicated on achieving ambitious future growth estimates, which carry inherent execution risk. Also, the financial services sector is subject to regulatory scrutiny and macroeconomic shifts, which could impact profitability and growth trajectories.
Technical Indicators
| RSI (14) | 40.88 |
|---|---|
| MACD | -0.52 |
| SMA 50 | 134.09 |
| SMA 200 | 125.42 |
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bullish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($134.09) above the 200-day SMA ($125.42), price action is firmly bullish above key moving averages.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.68
Moderate correlation
Nasdaq 100 (QQQ)
+0.59
Moderate correlation
Bitcoin (BTC)
+0.28
Weak correlation
Gold (XAU)
+0.07
Weak correlation
Check Custom Correlation
How does any other asset move with C? One year of daily closes, Pearson correlation.
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C Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Long entry pick an entry style
Conservative
$131.59
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$134.28
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$127.65
MAX LOSS
-3.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (40.9) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$138.17
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$144.75
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$151.33
+15% (Conservative)
+12.7% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for C is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 26, 2026.Growth of $10,000
A $10,000 investment in C in September 2016 would be worth about $29,261 today, compared with about $36,004 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in C today could grow to about $24,236 by 2036 in the base case, with a bull case near $93,467 and a bear case around $6,285. Projections are statistical simulations, not guarantees.
C Stock Price Prediction: 2030
CleaRank's simulation projects a price near $191 for C by 2030 in the base case, from $134 today (1.4x over 4 years). The downside path ends near $81.48. These are outcomes of a Monte Carlo simulation run on C's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $95.74 | $147 | $225 |
| 2028 | $87.65 | $160 | $293 |
| 2029 | $83.61 | $175 | $367 |
| 2030 | $81.48 | $191 | $449 |
| 2031 | $80.49 | $209 | $543 |
| 2032 | $80.28 | $228 | $650 |
| 2033 | $80.67 | $250 | $772 |
| 2034 | $81.52 | $273 | $912 |
| 2035 | $82.78 | $298 | $1,072 |
| 2036 | $84.39 | $325 | $1,255 |
Method: 10,000 simulated price paths using C's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
People Also Watch
C Insider Trading Analysis
Bought
None
No open-market buys
Sold
$23.6M
11 Transactions
Insiders
31
Active Traders
Avg Transaction
$2.1M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Feb 13, 2026 | CANTU ERNESTO TORRES
Officer
|
Sell | 67.3K | $7.5M |
| Feb 14, 2025 | MASON MARK A.L.
Chief Financial Officer
|
Sell | 58.5K | $4.9M |
| Feb 12, 2026 | HABNER PAMELA
Officer
|
Sell | 29.8K | $3.5M |
| Apr 15, 2026 | SKYLER EDWARD
Officer
|
Sell | 25.0K | $3.3M |
| Feb 14, 2025 | SKYLER EDWARD
Officer
|
Sell | 35.5K | $2.9M |
| Feb 13, 2025 | SELVAKESARI ANAND
Chief Operating Officer
|
Sell | 30.0K | $2.4M |
| Feb 12, 2026 | LUCHETTI GONZALO
Officer
|
Sell | 20.0K | $2.3M |
| Feb 11, 2026 | GARG SUNIL
Officer
|
Sell | 18.0K | $2.1M |
| Oct 19, 2021 | TORRES CANTU ERNESTO
Officer
|
Sell | 27.8K | $2.0M |
| Feb 11, 2026 | GILES NICOLE M.
Officer
|
Sell | 16.8K | $2.0M |
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Frequently Asked Questions
What is Citigroup Inc.'s stock price forecast for 2030?
Citigroup Inc.'s stock price is projected to reach a base case of $191.34 by 2030, according to Monte Carlo simulations. The downside scenario suggests a price of $81.48, while the upside scenario projects $449.3. These figures represent statistical outcomes and are not definitive price targets.
Is Citigroup Inc. stock a buy right now?
Citigroup Inc. is rated a Buy with a consensus score of 75, supported by strong analyst sentiment and attractive valuation metrics. The median analyst target price of $157.50 suggests a potential upside of 17.3% from the current price of $134.28.
What are Citigroup Inc.'s recent earnings results?
Citigroup Inc. has shown positive earnings surprises in recent quarters. For the quarter ending June 2026, EPS was -0.68, beating estimates by 20.93%. The company has a history of beating analyst expectations, indicating strong operational performance.
How does Citigroup Inc. compare to its sector averages?
Citigroup Inc. trades at a lower P/E ratio (14.26) and Price-to-Sales ratio (2.71) compared to the sector medians of 16.5 and 3.8, respectively. Its revenue growth of 15.5% also surpasses the sector average of 11.7%.
What is the outlook for Citigroup Inc.'s revenue growth?
Analysts project revenue growth of 12.00% for the current year and 5.00% for the next year for Citigroup Inc. The current quarter's revenue growth is estimated at +7.00% year-over-year, and next quarter's is projected at +15.00%.
What are the main risks facing Citigroup Inc. shareholders?
Key risks include moderate insider selling totaling $23.6 million, which may signal caution. The company's growth projections are ambitious and carry execution risk, and the financial services sector is susceptible to regulatory changes and macroeconomic volatility.
What is Citigroup Inc.'s dividend yield?
Citigroup Inc. pays an annual dividend rate of $2.47, resulting in a dividend yield of approximately 1.84% based on its current stock price.